Singaporegirl, although the subject has deviated from the original point of the thread, you appear to speak with good authority on the subject.
However, with respect to credit card payments, isn't there some cloudinness with respect to where the point of sale occurred? In other words, if I pay for hotel accommodation from a company based in Spain, I am not sure I am covered by Section 75 of the UK Consumer Credit Act 1977, on the £100 rule.(our hotel is booked through UK company!)